Sustainability
SUSTAINABILITY | LASTING VALUE
VALUE THAT ENDURES
At Grupo Aval, sustainability is the strategic principle that guides the corporate commitment to Colombia's macroeconomic development, social equity and environmental impact mitigation. As the leading Business Group with a solid track record in the country, the organization builds a business model where value creation goes beyond financial results, integrating ESG risk management into the corporate culture of all its subsidiaries.
WHAT DOES GRUPO AVAL DO IN SUSTAINABILITY?
The Group's sustainability model is carried out through the Sustainable ROE strategy, a corporate vision that links financial profitability with social well-being and ecological balance. This framework positions Grupo Aval as a benchmark in responsible investment and corporate governance in the region, deploying tangible initiatives through three fundamental pillars:
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Profitability with Purpose
Drives economic performance and strengthens the Group's corporate governance system to ensure transparency, mitigate operational risks and generate long-term sustainable value for investors and stakeholders.
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Opportunity for everyone
Develops inclusive financial solutions and high-impact institutional programs that reduce socioeconomic gaps, promote equity and improve quality of life in the areas where the subsidiaries operate.
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Balance with the Planet
Implements climate action and eco-efficiency policies, promoting the financing of green projects and the conservation of natural resources to ensure a just ecological transition.
MANAGEMENT AND SUSTAINABILITY REPORT
MANAGEMENT AND SUSTAINABILITY REPORT
The Management and Sustainability Report is our way of sharing, with transparency, how we transform challenges into opportunities and generate value for society and the environment.
Explore Our 2025 Management and Sustainability Report
OTHER MANAGEMENT AND SUSTAINABILITY REPORTS:
MATERIALITY
DOUBLE MATERIALITY MATRIX
Double materiality guides our management approach by integrating both the impact of Grupo Aval on its environment and the risks and opportunities this represents for our businesses.
In 2024, we conducted a review of material topics, and in the first half of 2025 we updated the double materiality assessment.
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Learn about our relationships with stakeholders
STAKEHOLDER ENGAGEMENT
We promote transparent dialogue with our stakeholders to strengthen trust and effectively respond to their expectations. Our main stakeholders are:
Board of directors
Highest governing body responsible for approving policies, strategies, monitoring, and evaluating the initiatives proposed by the Holding’s senior management and its subsidiaries.
Board of directors
- Creation, updating, and review of corporate policies such as Sustainability, Human Rights, the Board of Directors Regulations, and the Code of Good Governance.
- Creation of the ESG Committee and the ICT Committee.
- Presentation of ESG topics and work plans to the Board of Directors.
- Improvement of 22 points in the Governance and Economic dimension score in the Corporate Sustainability Assessment.
Subsidiaries
Companies over which we exercise control as a Holding company.
Subsidiaries
- More than 400 meetings of the different committees in which Grupo Aval and its entities participate.
- The Sustainability and DEI Committee met on 13 occasions.
- Recognitions such as Friendly Biz, DJSI, S&P, and Great Place to Work.
- 19,786 employees in Mi Grupo Aval.
- ESG indicator system redesigned and implemented across all subsidiaries.
Shareholders and investors
Shareholders and bonholders of the company.
Shareholders and investors
- Response to 15,000 investors' requests.
- 4 earnings calls.
Media and opinion leaders
Mass media, digital media, and individuals who publish information about our entities and play an important role in brand management and reputation.
Media and opinion leaders
- We participated in more than 700 publications with Grupo Aval and over 1,500 publications through Experiencias Aval across different media outlets.
- MERCO Companies ranking result: Position 56.
- CSA – DJSI score: 65 (16 points higher than in 2023).
Government and Regulatory Bodies
Organizations that issue regulatory requirements and conduct continuous monitoring of the Holding’s financial and non-financial information and that of its subsidiaries.
Government and Regulatory Bodies
- Country Code adoption: 91.2 / 100.
Suppliers
Individuals and companies that provide us with goods and services.
Suppliers
- 19 suppliers evaluated on ESG topics.
- Annual occupational health and safety (OHSMS) induction and re-induction conducted for 52 suppliers.
Employees
People who are part of our organization and contribute to the development of our entities.
Employees
- 19 suppliers evaluated on ESG topics.
- Annual occupational health and safety induction and re-induction conducted for 52 suppliers.
Community
People and communities that we impact directly or indirectly with the activities, decisions and programs we carry out
Community
- Implementation of high impact social projects.
- Participation of collaborators in volunteer initiatives.
- Strengthening community capacities through financial education programs.
Learn about our Relationship with Stakeholders.
SUSTAINABILITY ACROSS OUR ENTITIES
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Xposible Award for its Amazonía Debit Card.
Recognition for the Sustainable Productive Transformation Initiative.
Red Muévete Gold Seal 2025: Awarded in the category “Best Comprehensive Sustainable Mobility Plan (PIMS) – Private Company” among its employees.
FlorÁngela Gómez Award: Recognized in the Financial Education category, highlighting the impact of its comprehensive strategy in underserved regions.
Recognition for Sustainable Development Best Practices 2025 and 2024.
Environmental Certification Seals.
Certified as a Great Place to Work in Colombia for the sixth consecutive year.
Ranked as the #1 company in the financial sector, #2 in Colombia, and #6 in LATAM for best practices in Gender Equity.
EFR Recertification (Family-Responsible Company), Level B.
Ranked as the third most inclusive company in LATAM in 2025.
Financing of sustainable projects.
Investment in small and medium-sized enterprises (SMEs).
Best Place to Work in Colombia for the third consecutive year.
IAB Mixx Colombia Awards 2025: Bronze Award in the Sustainability category for the mini-series House Natour.
Recognition from Universidad Icesi for best practices in reputation and sustainability management.
Second place, Silver Innovation Category.
No labels - Diversity, Equity, and Inclusion Program.
Andesco Sustainability Awards: Recognition for the impact generated through the Senior Entrepreneurship and Employability Observatory.
Recognition for Good Sustainable Development Practices – UN Global Compact: Contribution to SDG 10: Reduced Inequalities through the Senior Entrepreneurship and Employability Observatory.
Merco ESG responsibility ranking Colombia 2025.
Included in the S&P Sustainable1 Yearbook 2026, recognized among the top 1% in sustainability performance.
Great Place To Work certification.
CONTRIBUTION TO THE SUSTAINABLE DEVELOPMENT GOALS (SDGs)
At Grupo Aval drives strategic corporate actions aimed at measurably generating economic, social and environmental value. The commitment of the leading Business Group in the country is directly aligned with the United Nations' (UN) Sustainable Development Goals (SDGs) agenda, guiding the operations of all its subsidiaries toward a global, transparent impact through three fundamental pillars:
9: Industry, innovation, and infrastructure
The Group finances the development of strategic infrastructure and modernizes the financial system in Colombia through scalable, interoperable digital innovation solutions that strengthen the productive sector's competitiveness.
- Efficient technical management of 6 road concessions, 15 toll stations and 625 km of road infrastructure.
- Development of innovative digital banking solutions, including transfers via instant messaging channels and contactless withdrawals across the entire Aval ATM Network.
- Registration of 9 million users on the Tag Aval platform, driving the adoption and digital payment infrastructure nationwide.
8: Decent work and economic growth
Grupo Aval actively contributes to the sustainable economic growth of the regions by generating quality formal employment and strategically mobilizing capital, ensuring that the Group's financial profitability supports the progress of citizens.
- Consolidation of 67,585 employees, positioning the Group as one of the largest private-sector employers in Colombia.
- Allocation of $3.9 trillion pesos in salaries and benefits for direct employee compensation and the well-being of their families.
- Generation of direct economic value distributed to the country's economy, totaling $41 trillion pesos.
- Financing of $20.2 trillion pesos aimed at strengthening, modernizing and scaling micro, small and medium-sized enterprises (MSMEs).
- Provision of 1.3 million hours of training and technical education, recording a consolidated average of 51.5 hours per employee per year.
3: Health and well-being
The Group promotes the comprehensive well-being and social protection of its employees and of the communities in the regions where its subsidiaries operate, developing safe work environments, preventive health plans and institutional programs that improve citizens' quality of life.
- Development of a benefits ecosystem focused on physical, mental and financial health that positively impacts the family environment of its workforce.
- Implementation of technical occupational health and safety frameworks with excellence standards across all subsidiaries of Grupo Aval.
- Promotion of strategic social investment initiatives and partnerships with health institutions to facilitate access to basic services and inclusion in local communities.
5: Gender equality
Building inclusive, equitable work environments that ensure professional development free of gender bias, actively promoting female leadership in senior management and implementing corporate policies that ensure equity across all subsidiaries.
10: Reduced Inequalities
Driving mass financial inclusion and equitable access to capital as key tools to reduce socioeconomic gaps, providing accessible financing solutions in rural areas and the country's most underserved regions.
- 1.4 million customers have active financial inclusion products nationwide within the subsidiary ecosystem.
- $1.6 trillion pesos disbursed in microloans aimed at strengthening and modernizing small-scale production units.
- Rollout of 360,000 non-banking financing solutions through Promigas's Brilla program, facilitating access to essential goods billed through household gas invoices.
6: Clean water and sanitation
Through the Misión La Guajira project, the Group helps underserved populations in the country gain formal access to drinking water.
- Delivery of water access solutions in 52 communities, through the restoration of 39 wells, the construction of 2 new wells and the installation of 21 water treatment plants.
- Providing water access for 1,900 families (approximately 13,000 people), of which 1,500 families already have water suitable for direct human consumption.
13: Climate action
The Group supports the transition to a low-carbon economy through sustainable financing, managing the organization's climate risks and opportunities with a long-term vision.
- Technical management of a consolidated green portfolio worth $8.7 trillion pesos.
- Investment of $2.7 trillion pesos in the development of energy transition projects.
- Consumption equivalent to 38% of energy coming from unconventional renewable sources within operations.
- Implementation of a corporate climate strategy that guides the Group's risk and opportunity management across the board.